Put a gold-backed IRA in your golden retirement

Worried about protecting your hard-earned financial assets? Here’s a solution: a gold-backed IRA, or a precious metals-backed IRA, is a self-directed IRA that holds precious metals.

Add stability to the mix. Including gold and other precious metals in your portfolio lowers your risk by diversifying from paper assets, thus hedging against the economy and inflation. Through turbulent times, such as an economic downturn,
gold and other precious metals retain value and are trusted to strengthen and secure wealth, where paper assets may not.

The IRS regulates and controls the products that can be added to your precious metals-backed IRA. That’s why it’s important to choose an industry authority like Rosland Capital, so you know you are working with professionals and have access to excellent IRA-eligible products.

Is a Gold or Silver IRA Right for You?

Gold and silver IRAs are becoming more and more common these days. Whether it's because the most recent recession has inspired Americans to seek out more diverse types of retirement funds, or simply because families want more protection for their money, there is a lot of buzz surrounding precious metal-backed retirement accounts today.

Whatever your reason for looking into an IRA backed by precious metals might be, it’s always a good idea to gather as much information as possible so that when the time comes to make a change or an upgrade, you feel comfortable doing so.

What are Gold and Silver IRAs?

When you back an IRA with either gold or silver (or both), you are making the decision to protect your retirement funds against the types of fluctuations in the market that could have disastrous implications on your overall portfolio. A precious metals IRA is a self-directed, government-approved retirement account backed by physical gold, silver or other metals, such as platinum or palladium.

The National Economy and Your IRA

In many cases, gold and silver can provide a better chance of financial security than other types of IRAs. The answer is pretty simple.

Conventional IRAs are often heavy with stocks and bonds. In previous eras, when the national economy was more robust and stable, this method proved to be successful.

But today these paper assets are becoming too risky for many people, especially after events like the Great Recession, which led to many people's retirement accounts being significantly reduced over a very short period of time.

Backing your IRA with precious metals like gold and silver can provide more protection against these threats by diversifying your portfolio, as well as helping to safeguard your money from inflation, economic fluctuation and unfavorable legislative policies.

Gold and Silver IRAs - How Can They Protect Your Nest Egg?

Gold and silver IRAs offer a unique alternative to conventional retirement plans by enabling you to add precious metals, including gold coins, silver, platinum and palladium, in addition to more traditional types of investments, such as mutual funds.

These Precious Metals IRAs have become increasingly popular in recent years as more uncertainty grows around the health of the global economy. By adding gold and silver to your retirement account, you can help shield your money from future economic turmoil and have peace of mind about your buying power in retirement.

How exactly can
gold and silver IRAs provide this unique level of protection? Let's look at some of their key benefits.

Benefits of Gold and Silver IRAs

DiversificationWe can't stress this enough: diversification is crucial to every person's portfolio, especially when it comes to retirement savings. Gold and silver IRAs allow you to hold assets that are rarely found in employer-sponsored 401(k)s and conventional IRAs. This means you can greatly diversify your holdings, rather than keeping all your eggs in one "paper" basket.

Protection against the volatile stock marketWhen the stock market tumbles, even the so-called "safest" mutual funds and bonds can take a hit, and retirement accounts can suffer greatly. If it happens to you right before retirement (as it did to many during the Great Recession), you could be forced to continue working for many years to come. Diversifying your portfolio with precious metals helps protect your retirement money by shielding it from the volatility associated with stocks and other paper assets.

Safeguard against the declining dollarMany people who buy gold and silver do so as a hedge against inflation and the declining U.S. dollar. As the dollar loses value, Americans essentially lose wealth and purchasing power. If the value continues to shrink, paper-heavy portfolios could be worth a lot less in retirement. On the other hand, the value of precious metals, like gold, tends to increase as the dollar drops. By placing precious metals in an IRA, you can thus preserve your buying power and safeguard your money from the effects of inflation.

Tax benefitsKeep in mind that a Precious Metals IRA comes with the same tax benefits as a conventional IRA. The biggest difference is that you can maintain those tax benefits while experiencing all the other benefits of purchasing precious metals.

Growth PotentialAside from the security, many people purchase gold and silver specifically for their growth potential, which isn't affected by the same forces as those in the stock market. As finite resources, gold and silver have inherent value and an ever-increasing global demand.

Call 800-375-0333 to discuss your gold IRA options.

Setting Up Your New Precious Metals IRA Account

Here’s the best news of all: you can easily rollover an existing IRA to an IRA backed with gold and silver. This means that you don’t need to make another initial deposit to get the ball rolling.

What you do need to find is a precious metals professional to work with. Obviously, there’s no shortage of firms advertising their experience, expertise and proven track record. Without any sort of verification or third party certificates, these promises are just words.

At Rosland Capital, we can offer more than just promises. Our A+ rating from the prestigious Better Business Bureau is just one of many accolades that confirm our proven track record and commitment to our customers.

Working with a precious metals representative from Rosland Capital can help make the transition into the world of precious metals backed IRAs simple, easy and, above all, comfortable. Our knowledgeable associates aren’t just experts in the field, they’re also more than willing to provide world-class customer service.

Call 800-375-0333 to discuss your gold IRA options.

How to Get Started

1

A Rosland Capital representative will explain to you how a Gold and Precious Metals IRA works, so you can decide if the option is right for you.

2

If you decide that an IRA fits your needs, the representative will send you the necessary forms from Equity International, the IRA administrators, together with Rosland Capital's own customer agreement.

3

After you have signed and completed the required forms, your Rosland Capital representative will create an account for you and discuss various options for your IRA, including which coins qualify for inclusion.

4

After Equity receives funding, either directly from you or via transfer of an existing IRA, your Rosland Capital representative arranges for the precious metals to be moved directly to the depository in Delaware, where each IRA-holder's gold is kept in separate, secure storage.

5

You will then be a client of Equity Institutional, and will pay the appropriate fees for administration and storage.

6

When you reach 70.5 years of age and must take distributions, then you may choose to take distributions in physical gold, provided the IRA contains precious metals of the appropriate value.

Call 800-375-0333 to discuss your gold IRA options.

Required Minimum Distribution Calculator

If you're age 70½ or over and have a Traditional, Rollover, SEP, or SIMPLE IRA, you're required by law to take the Required Minimum Distributions (RMDs) annually. Use our RMD Calculator to estimate your annual distributions.

These calculations are estimates only, are made available to you as a self-help general educational and informational tool for your independent use, and are not intended as a substitute for personalized tax, legal or investment advice. Rosland Capital cannot and does not guarantee their applicability or accuracy in regard to your individual circumstances. Tax laws and regulations are complex and subject to change, which can materially impact results. Rosland Capital cannot guarantee that the information herein is accurate, complete, current or timely. Rosland Capital makes no representations with regard to such information or the results obtained by its use, is not responsible for any human or mechanical errors or omissions and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Rosland Capital is not responsible for the accuracy or completeness of the information you provide. Rosland Capital encourages you to consult with your tax advisor, financial planner or custodian to seek such personalized advice regarding all personal finance issues.

The statements made on this website are opinions, not facts, and past performance is no indication of future performance or returns. Precious metals, like all investments, carry capital risk. Precious metals and coins may appreciate, depreciate, or stay the same depending on a variety of factors. Rosland Capital cannot guarantee, and makes no representation, that any metals purchased will appreciate at all or appreciate sufficiently to make customers a profit. The decision to purchase or sell precious metals, and which precious metals to purchase or sell, are the customer’s decisions alone, and purchases and sales should be made subject to the customer’s own research, prudence and judgment.

*By submitting this request you confirm that Rosland Capital may send you the free information checked above and that you are expressly authorizing Rosland Capital to contact you at the telephone number above, irrespective of whether or not such telephone number appears in any state or national Do Not Call registries.

CALL NOW 1-800-375-0333

Customer Agreement

In order to finish processing, please submit a physical copy of this signed customer agreement along with your payment.

This Customer Agreement (this "Agreement") is made and entered into by and between Rosland Capital LLC, a Delaware limited liability company with a principal place of business located at 11766 Wilshire Blvd., Suite 1200, Los Angeles, California 90025 ("Rosland Capital"), and the person(s) or entity identified on the signature page hereof ("Customer") for the purchase, sale and delivery of precious metals, coins and other products offered by Rosland Capital (collectively, the "Products"). The terms and conditions of this Agreement shall apply to all transactions between Customer and Rosland Capital.

1.1 Customer may place an order (each, a "Purchase Order") with a Rosland Capital representative (each, a "Rosland Capital Representative") by telephone for the purchase, sale and delivery of Products which shall have the same effect as if the Purchase Order was made in writing. Customer's Purchase Order will be confirmed during a recorded confirmation with a Rosland Capital Representative to ensure the details of the Purchase Order are correct and will include the price, quantity, method of payment and delivery and other material terms of the Purchase Order. Purchase Orders for bullion cannot be accepted prior to Rosland Capital’s receipt of good funds, and after receipt of such funds the final terms of the Purchase Order will be confirmed during a recorded confirmation with a Rosland Capital Representative.

1.2 Rosland Capital will send Customer a written confirmation of each Purchase Order (the "Confirmation") at the address provided by Customer to Rosland Capital. The amount due under the Purchase Order (the "Purchase Price") shall be due and payable in full to Rosland Capital within ten (10) business days of the recorded Confirmation, in the case of a transaction involving proof, semi-numismatic or numismatic coins, and on or before the date of the recorded Confirmation, in the case of a transaction involving bullion (in either case, the "Payment Period"). Failure to pay the Purchase Price within the Payment Period shall constitute a default by Customer. Upon such default, Rosland Capital will be relieved of all its obligations under the Purchase Order and may recover from Customer the difference between the Purchase Price agreed to by Customer for the Products and Rosland Capital's actual resale price for the Products at the time of default, up to four percent (4%) of the Purchase Price.
Notwithstanding the foregoing provisions of 1.1 and 1.2, purchases made on-line at www.roslandcapital.com shall be subject to the payment provisions set forth on-line by Rosland Capital from time to time.

1.3 Customer agrees to pay the Purchase Price by personal check, credit card or bank wire (except that any payments for bullion shall be made by check or bank wire only). The Purchase Price specified in a Purchase Order shall include, without limitation, all shipping, handling, storage, delivery, taxes, assessments and other fees imposed on transactions involving the Products. All amounts stated in a Purchase Order are in U.S. Dollars and all payments made by Customer to Rosland Capital under a Purchase Order shall be made in the U.S. and in U.S. Dollars.

2. Delivery. Rosland Capital shall ship the Products to Customer, or Customer’s appointed agent or designee, in accordance with the terms of the applicable Purchase Order, within fourteen (14) business days (or such lesser period as required by law) of Rosland Capital’s actual receipt of the full Purchase Price from Customer. Title to the Products purchased by Customer and risk of loss thereto shall pass to Customer upon Customer’s, or Customer’s appointed agent's or designee's, actual receipt of the Products. Customer shall be responsible for all shipping and handling charges incurred in connection with the delivery of the Products and Customer acknowledges that shipping and handling charges will vary depending on the weight, value, destination and method of shipment of the Products.

3. Buy-Back Policy and Customer Service. If in the future you decide that you would like to sell any precious metal or coin products purchased from Rosland Capital, as a service to our customers, Rosland Capital will provide you the opportunity to sell such products back to us at the current market value determined by Rosland Capital for such products on the day the sale to us is completed. You are, of course, free to sell to others, but we believe that you may receive a higher net price by selling to Rosland Capital because we are familiar with the products we have sold you, and do not charge any additional fees or commissions when making such purchases. Due to market conditions and other factors, you may receive less than what you originally paid.

Our buy-back policy is a voluntary service to our customers and is subject to withdrawal or change without notice. We may also purchase products not originally sold by Rosland Capital; however, such purchases are subject to additional fees and/or commissions at current market rates.

Rosland Capital maintains a dedicated customer service department that handles all customer services, including liquidation requests, refund requests and complaints. Rosland Capital’s Chief Compliance Officer can be reached by phone at (800) 967-5151 or by email at services@RoslandCapital.com.

4. Refunds and Returns. Rosland Capital provides Customer the right to receive a full refund of the Purchase Price for the return of undamaged and unused Products; provided, however, that Rosland Capital receives written notice of Customer's intention to return the Products within seven (7) days after the date that Customer receives the Products, and provided, further, that such Products are returned to Rosland Capital within ten (10) business days following receipt by Rosland Capital of notice of cancellation from Customer. Customer's "receipt" of the Products is deemed to occur at the earliest of: (a) the date that Customer receives actual possession of the Products or (b) the date that Customer receives written confirmation from Rosland Capital that the Products have been deposited on Customer's behalf in an independent depository. Rosland Capital shall, upon written notice of cancellation and receipt of the Products in the same condition as delivered, issue a full refund of the Purchase Price to Customer within thirty (30) days of the date of Rosland Capital's receipt of the returned Products from Customer.

5. Storage. At Customer's request, Rosland Capital will store the Products with independent depositories selected by Rosland Capital. Rosland Capital may store the Products on a non- segregated, bulk basis. Customer acknowledges that absent an express written agreement with Rosland Capital to the contrary, Customer is only entitled to receive Products of the same quantity, grade and type specified in the applicable Purchase Order and not any specific precious metal, coin or other product offered by Rosland Capital. Rosland Capital shall use commercially reasonable efforts to store the Products in a way that is free from the claims of its creditors, the depositories (except as to storage charges) and the depositories' creditors. Rosland Capital shall, or shall cause the depositories to, insure Customer's Products against physical loss, damage or disappearance. Notwithstanding the foregoing, Rosland Capital’s total liability to Customer for any physical loss, damage or disappearance of Products held in storage shall be limited to Rosland Capital's or its depositories' available insurance and under no circumstances shall the total liability to Customer for any physical loss, damage or disappearance exceed the replacement value of the Products. Customer shall be responsible for all storage fees, which shall be identified in detail in the appropriate Purchase Order, and Rosland Capital shall be entitled to increase or decrease any storage fees upon thirty (30) days' written notice to Customer. All storage fees are non-refundable. Rosland Capital will ship stored Products to any location specified by Customer within thirty (30) days of Customer's request for delivery and payment of all shipping, handling, storage, delivery, taxes, assessments and other fees. Customer will not grant or permit to exist any lien, security interest or encumbrance of any kind by a third party on Products stored by Rosland Capital.

6. Pricing. The prices quoted by Rosland Capital for the Products are established by Rosland Capital upon its analysis of each commodity and may change many times during the day. The prices quoted by Rosland Capital for the Products are not tied to prices quoted by any other organization and there are no established daily limits on the amount those prices may change. Rosland Capital reserves the right to increase or decrease its prices at its sole discretion at any time. Customer is encouraged to compare Rosland Capital’s prices with those offered by other dealers.

7. Spread. The difference between the Purchase Price Customer pays for Products under a Purchase Order and the price that Rosland Capital actually pays for the Products purchased by Customer under such Purchase Order is known as the "spread" and it is stated as a percentage of the Purchase Price paid by the Customer. Spreads charged to Customer under a particular transaction may differ significantly from spreads charged to other customers in similar transactions or spreads charged to Customer in other transactions. The spread on Rosland Capital's premium, semi-numismatic, and numismatic coins typically ranges between 17% and 33%. The spread on Rosland Capital's bullion typically ranges between 4% and 21%. (For example, if Rosland Capital’s quoted price for a numismatic coin was $300 and included a 20% spread, Rosland Capital’s cost for that coin would be $240. If Rosland Capital’s quoted price for a bullion coin was $300 and included a 5% spread, Rosland Capital’s cost for that coin would be $285.) The spread on Rosland Capital's IRA (as defined below) transactions typically ranges between 17% and 25%. The foregoing spreads are approximations and the spreads at any time and for any given transaction may be significantly different.

8. Classifications. Rosland Capital's classification of a particular Product as bullion, numismatic, semi-numismatic or premium expresses Rosland Capital's opinion and other precious metal dealers or investors may classify the same Product differently. The classification of a particular Product depends on a number of objective and subjective factors and any classification may change over time. Rosland Capital's spread and prices are based on Rosland Capital's classification determinations. Bullion may be in bar or coin form, and its value primarily depends on its precious metal content. Its value fluctuates with the “spot price” of the precious metal, which is its current market price. Numismatic coins (including proof coins) are coins whose value primarily depends on factors such as demand, scarcity, dates, condition and grades, and less so on precious metal content. Semi-numismatic coins are coins that have some bullion value and thus their value may fluctuate with the spot price of the precious metal they contain, as well as other factors such as supply and demand. Premium coins include numismatic and semi-numismatic coins, as well as proof coins and specialty coins of limited mintage, whose value derives from their quality and limited supply, as well as their precious metal content. Precious metals that have lower precious metal content, which may include some numismatics, will have a lower “melt value”, which is determined by multiplying the precious metal content of a coin or bar by its spot price. For example, if the spot price of gold is $1,000 per ounce, a coin containing one ounce of gold has a melt value of $1,000.

9. Taxes. Tax consequences of transactions with Rosland Capital are the sole responsibility of Customer. Customer shall pay to Rosland Capital any sales, use or other tax applicable to transactions involving the Products.

10. Security. Customer hereby grants Rosland Capital a lien and security interest in the Products in Rosland Capital's possession or control that Customer orders pursuant to a Purchase Order as collateral for any amounts owed by Customer to Rosland Capital under this Agreement, any Purchase Order or otherwise. Customer agrees to execute such additional documents as may be necessary to perfect or evidence this securely interest.

11. Electronic Recordation. Customer acknowledges and agrees that Rosland Capital may choose, in its sole discretion, to monitor or record Customer's telephone conversations with any Rosland Capital Representative. Unless otherwise specifically agreed to by Rosland Capital in writing, Rosland Capital does not consent to the recording of telephone conversations with any Rosland Capital Representative by Customer or any third party. Customer acknowledges that Rosland Capital will not record all telephone conversations and that Rosland Capital does not guarantee that any recordings of any particular telephone conversation will be retained or are capable of being retrieved.

12. Customer Representations. Customer hereby represents to Rosland Capital that (i) Customer is of legal age and capacity and has the requisite powers, authority, and rights necessary to enter into this Agreement and to perform its obligations under this Agreement; (ii) Customer is not a party, and will not become a party, to any agreement, obligation, or understanding that is inconsistent with this Agreement or might limit or impair Customer's performance of its obligations under this Agreement; (iii) Customer is an experienced investor who understands the risks and obligations involved under this Agreement; and (iv) Customer's transactions under this Agreement shall be for investment or other commercial purposes and not for any personal, family, household or other consumer purposes.

13. Acknowledgements.

13.1 Customer acknowledges that Rosland Capital is a dealer in precious metals, coins and other related products. Customer further acknowledges that Rosland Capital is not an exchange or brokerage house and that neither Rosland Capital nor any Rosland Capital Representative acts as an agent or fiduciary for any of Rosland Capital's Customers.

13.2 Customer acknowledges that purchases of the Products involve substantial risks. Market prices are volatile and unpredictable and may be affected by a variety of factors, including, without limitation, general economic conditions, political events, monetary policies of various countries, and fluctuations in production and demand. It is impossible to forecast accurately how or to what degree the foregoing or other factors will affect market prices. What is suitable for one customer with a given financial means may not be suitable for other customers with the same financial means.

13.3 Customer acknowledges that purchases of the Products are speculative and volatile, and prices may rise and fall over time. Customer acknowledges that profit can only be made if prices for the Products rise in an amount over the Purchase Price paid by Customer for the Products and that Customer may still incur a loss despite favorable price movements.

13.4 Customer acknowledges that Customer is financially and emotionally able to enter into transactions which are contemplated by this Agreement and is sensitive to and able to accept the risks and to meet the financial commitments being made under this Agreement.

13.5 Customer acknowledges that grades and descriptions of Products are opinions and not statements of fact, and are based on standards and interpretations that change over time. Rosland Capital uses contemporary grading standards and interpretations to grade its Products or relies upon the opinions of third party grading services such as Numismatic Guaranty Corporation and Professional Coin Grading Service. Customer acknowledges that Rosland Capital does not guarantee that its Products will achieve the same grades from any third party grading service in the future.

13.6 Customer acknowledges that Customer is responsible for all purchases made on Customer's account. If Customer believes that a Purchase Order has been entered into for Customer's account without Customer's authorization, Customer shall immediately notify Rosland Capital's Compliance Department at: compliance@RoslandCapital.com. Similarly, if Customer believes that any Rosland Capital Representative has made a verbal or written representation that is inconsistent with the terms or risks set forth herein or is unprofessional or offensive in nature, Customer will notify Rosland Capital's Compliance Department immediately. Customer further acknowledges that if Customer fails to make the required notification within ten (10) business days following the date on which the event first became known to Customer, Customer waives all rights to contest such matter.

13.7 Rosland Capital Representatives may from time to time discuss the general direction of various financial markets. Customer acknowledges that Rosland Capital Representatives cannot guarantee any market movement. Customer further acknowledges that Rosland Capital Representatives are not licensed as investment advisors and are not making any specific recommendations concerning any forms of investment. Rosland Capital and the Rosland Capital Representatives are not agents for Customer, have different financial interests and incentives from Customer and owe no fiduciary duty to Customer. Rosland Capital Representatives are commissioned salespersons whose commissions are greatest on numismatic, semi- numismatic and premium items and least on bullion. Customer acknowledges that Rosland Capital believes precious metals and coins are appropriate for 5% to 20% of a portfolio, although certain individuals or organizations might recommend a different percentage. Customer agrees to independently determine what percentage is appropriate for Customer based upon Customer’s individual circumstance.

13.8 Customer acknowledges that Customer has conducted and will conduct Customer's own research and analysis regarding the Products that Customer may purchase from Rosland Capital and Customer will not rely upon any statements made by a Rosland Capital Representative concerning the future value of the Products that Customer may purchase from Rosland Capital.

13.9
Customer acknowledges that Rosland Capital’s policy with respect to the 1930’s gold recall by the Government is as follows: “In 1933, the U.S. Government, by Executive Order, prohibited the private ownership of certain quantities of gold bars and coins. There were several exceptions to this ban, including allowing people to own “gold coins having a recognized special value to collectors of rare and unusual coins.” At the time the United States was on the gold standard. Since 1971 the United States has not been on the gold standard. The Executive Order prohibiting private ownership was repealed in 1974. Currently, there are no restrictions on gold ownership, and the ability of the U.S. Government to recall gold is limited to times of war and requires action by the President or Congress. No one can say with certainty if or how the U.S. Government might prohibit ownership of gold in the future, or whether any particular gold product might be exempt from any future prohibitions.”

13.10 Customer acknowledges that Rosland Capital’s policy with respect to the reportability of precious metals is as follows: “Many of our customers are concerned about personal privacy or disclosing that they own precious metals. Accordingly, they often choose to purchase precious metals that do not require disclosure of personal information such as name, address and social security number when they sell such precious metals. Currently, certain bullion, semi-numismatic and numismatic coins do not require disclosure of such personal information when a customer sells them.”

13.11 Customer acknowledges that Customer has read Rosland Capital’s brochure, which provides additional information about the risks of buying and selling precious metals and coins. This brochure is updated periodically and it is Customer's responsibility to remain up to date by requesting a copy of the most recent version at Rosland Capital's website,
www.roslandcapital.com.

13.12 Customer acknowledges that Rosland Capital may provide information about companies which provide trustee and custodian services for Individual Retirement Accounts ("IRA) as a convenience to its customers. Customer further acknowledges that Rosland Capital is independent from and not affiliated with any of the companies which may provide those services. It is Customer's responsibility to independently select the IRA service company suitable for Customer. Rosland Capital shall have no liability or responsibility for any loss or damage resulting from Customer's dealings with any IRA service company.

14. DISCLAIMERS, EXCLUSIONS AND LIMITATIONS.

14.1 DISCLAIMER OF WARRANTIES. ROSLAND CAPITAL PROVIDES THE PRODUCTS ON AN "AS IS" BASIS. ROSLAND CAPITAL MAKES NO WARRANTIES WITH RESPECT TO THE PRODUCTS OTHER THAN THOSE MADE EXPRESSLY IN THIS AGREEMENT AND HEREBY DISCLAIMS ANY AND ALL IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE AND MERCHANTABILITY.

14.2 EXCLUSION OF DAMAGES. IN NO EVENT WILL ROSLAND CAPITAL BE LIABLE TO CUSTOMER OR ANY THIRD P ARTY FOR ANY CONSEQUENTIAL, INCIDENT AL, INDIRECT , PUNITIVE OR SPECIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES RELATING TO LOST PROFITS', WHETHER IN CONTRACT, TORT OR ANY OTHER LEGAL THEORY, ARISING OUT OF, RELATING TO OR CONNECTED WITH THE PRODUCTS OR THIS AGREEMENT, REGARDLESS OF THE CAUSE OF ACTION ON WHICH THEY ARE BASED, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OCCURRING.

14.3 LIMITATION OF LIABILITY. IN NO EVENT WILL ROSLAND CAPITAL'S AGGREGATE LIABILITY ARISING FROM, RELATING TO, OR IN CONNECTION WITH THE PRODUCTS OR THIS AGREEMENT EXCEED THE AMOUNT THAT CUSTOMER PAID FOR THE PRODUCTS, LESS THE FAIR MARKET VALUE OF SUCH PRODUCTS.

15. Miscellaneous/Arbitration.

15.1 Customer expressly authorizes Rosland Capital to contact Customer at the telephone numbers provided in this Agreement regardless of whether these numbers are listed on any state or federal Do Not Call list. If Customer requests that Rosland Capital no longer contact Customer, Rosland Capital will promptly place Customer on Rosland Capital's Do Not Call list.

15.2 In no event will Rosland Capital be liable for any default or delay in the performance of its obligations under this Agreement if and to the extent such default or delay is caused by fire, flood, earthquake, elements of nature or acts of God; wars, terrorist acts, site-specific terrorist threats, riots, civil disorders, rebellions or revolutions; strikes, lockouts or labor disputes; governmental actions, suspensions of commodity exchanges, the failure or delay of Rosland Capital's suppliers; or the failure or disruption of the Internet, including but not limited to any failure, error or disruption involving any third party Internet service providers or Rosland Capital’s own internal computer systems; or any other similar cause beyond the reasonable control of Rosland Capital.

15.3 Customer may not assign, transfer, or delegate this Agreement or any of its rights or obligations under this Agreement without Rosland Capital's written consent. Rosland Capital may freely assign, transfer, or delegate this Agreement or any of its rights or obligations under this Agreement without notice to Customer.

15.4 All communications shall be sent to Rosland Capital at 11766 Wilshire Blvd., Suite 1200, Los Angeles, California 90025 and to Customer at the address set forth above or such other address subsequently provided to Rosland Capital by Customer in writing. All communications given by Rosland Capital to Customer by mail shall be effective forty-eight (48) hours after deposit in the U.S. mail, postage prepaid, or upon receipt, whichever is earlier; if hand delivered, when delivered to Customer's address; if telephonic, at the time of such phone conversation or facsimile transmission; or if by email, on the day of such transmission.

15.5 Governing Law; Arbitration. The formation of this Agreement constitutes the making of this contract within Los Angeles County, California, regardless of the manner, timing or location of delivery of receipt of acceptance of this Agreement. The parties agree that Los Angeles County, California is the exclusive venue for filing any action and hearing concerning disputes arising from or relating to the Products or this Agreement. This Agreement shall be governed by the laws of the State of California excluding conflict of law principles. CUSTOMER AGREES TO ARBITRATE ALL CONTROVERSIES BETWEEN CUSTOMER AND ROSLAND CAPITAL (INCLUDING ANY OF ROSLAND CAPITAL'S CURRENT OR FORMER OFFICERS, DIRECTORS, MANAGERS, MEMBERS, EMPLOYEES OR AGENTS) ARISING OUT OF OR RELATING IN ANY WAY TO THE PRODUCTS OR THIS AGREEMENT, INCLUDING THE DETERMINATION OF THE SCOPE OR APPLICABILITY OF THIS AGREEMENT TO ARBITRATE. THE ARBITRATION PROCEEDINGS SHALL BE KEPT IN STRICTEST CONFIDENCE. THE PARTIES AGREE THAT THE EXCLUSIVE VENUE FOR ARBITRATION PROCEEDINGS, INCLUDING ANY ARBITRATION HEARING, WILL BE LOS ANGELES, CALIFORNIA. THE PARTIES FURTHER AGREE TO THE PERSONAL JURISDICTION OF THE SUPERIOR COURT, LOS ANGELES COUNTY, STATE OF CALIFORNIA, TO ENFORCE THIS SECTION. EACH PARTY AGREES THAT IT WILL SHARE EQUALLY IN THE BASIC ARBITRATION COSTS, INCLUDING ADMINISTRATION FEES AND THE FEES OF THE ARBITRATOR(S). EACH PARTY SHALL BE RESPONSIBLE FOR ITS OWN ATTORNEYS FEES RELATED TO THE ARBITRATION PROCEEDINGS.

15.6 Waiver of Jury Trial. BY ENTERING INTO THIS AGREEMENT, CUSTOMER HEREBY AGREES TO HAVE ALL CLAIMS, DISPUTES AND CONTROVERSIES ARISING OUT OF OR RELATING TO THE PRODUCTS OR THIS AGREEMENT DECIDED BY ARBITRATION AND IS WAIVING ANY RIGHT TO HAVE SUCH CLAIMS, DISPUTES OR CONTROVERSIES DETERMINED IN A COURT OF LAW BY A JUDGE OR BY A JURY. BY ENTERING INTO THIS AGREEMENT, CUSTOMER IS SIMILARLY WAIVING ITS RIGHTS TO APPEAL, UNLESS EXPRESSLY PROVIDED FOR HEREIN.

15.7 Attorneys’ Fees and Costs to Compel Arbitration. IN THE EVENT (1) CUSTOMER REFUSES TO ARBITRATE IN ACCORDANCE WITH THIS AGREEMENT BY COMMENCING ANY ACTION AGAINST ROSLAND CAPITAL IN STATE OR FEDERAL COURT, OR OTHERWISE, AND (2) ROSLAND CAPITAL OBTAINS ANY RELIEF WHATSOEVER RESULTING FROM A PETITION OR MOTION (OR LIKE PROCEDURAL MECHANISM) TO COMPEL ARBITRATION, THEN CUSTOMER SHALL BE RESPONSIBLE FOR ALL OF ROSLAND CAPITAL’S REASONABLE ATTORNEYS’ FEES AND COSTS ASSOCIATED WITH ROSLAND CAPITAL’S EFFORTS TO COMPEL ARBITRATION.

15.8 Waiver of Class Action. BY ENTERING INTO THIS AGREEMENT, CUSTOMER HEREBY IRREVOCABLY WAIVES ANY RIGHT CUSTOMER MAY HAVE TO JOIN CLAIMS WITH THOSE OF OTHERS IN THE FORM OF A CLASS ACTION OR SIMILAR PROCEDURAL DEVICE. ANY CLAIMS ARISING OUT OF, RELATING TO, OR CONNECTED WITH THE PRODUCTS OR THIS AGREEMENT MUST BE ASSERTED INDIVIDUALLY.

15.9 One Year Limit to Bring Claims. CUSTOMER ACKNOWLEDGES AND AGREES THAT, REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION CUSTOMER MAY HAVE ARISING OUT OF, RELATING TO, OR CONNECTED WITH THE PRODUCTS OR THIS AGREEMENT, MUST BE FILED WITHIN ONE CALENDAR YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION ARISES, OR FOREVER BE BARRED. CUSTOMER FURTHER ACKNOWLEDGES THAT, BUT FOR THIS WAIVER, CUSTOMER MIGHT HAVE A LONGER TIME PERIOD TO INITIATE A CLAIM UNDER STATE OR FEDERAL LAW.

15.10 Limitation on Damages. CUSTOMER ACKNOWLEDGES THAT THE DAMAGES AVAILABLE TO ANY PARTY BRINGING AN ACTION UNDER THIS AGREEMENT SHALL BE LIMITED TO ANY ACTUAL CONTRACT DAMAGES AND TORT DAMAGES INCURRED BY THE PARTY AND PROXIMATELY CAUSED BY AND RESULTING FROM THE OTHER PARTY'S ALLEGED BREACH, AND IN NO EVENT WILL ROSLAND CAPITAL’S AGGREGATE LIABILITY ARISING FROM, RELATING TO, OR IN CONNECTION WITH THE PRODUCTS OR THIS AGREEMENT EXCEED THE AMOUNT THAT CUSTOMER PAID FOR THE PRODUCTS, LESS THE FAIR MARKET VALUE OF SUCH PRODUCTS. THIS SECTION STATES THE EXCLUSIVE DAMAGE REMEDIES AVAILABLE TO CUSTOMER.

15.11 The terms and provisions in this Agreement are severable. If any provision of this Agreement is held by a court of competent jurisdiction to be void, invalid, or unenforceable, then that provision will be enforced to the maximum extent permissible and the remaining terms and provisions of this Agreement will continue in full force and effect.

15.12 No failure or delay by Rosland Capital in exercising any of its rights, powers, or remedies under this Agreement will operate as a waiver of that or any other right, power, or remedy. No waiver or modification of any term of this Agreement will be effective unless in writing and signed by the party against whom such waiver or modification is sought to be enforced.

15.13 This Agreement may be executed in one or more counterparts, and delivered by facsimile transmission, each copy of which will be deemed an original and all of which, when taken together, will constitute one and the same instrument.

15.14 This Agreement sets forth the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior negotiations, understandings, and agreements between the parties.